Labour’s New Leasehold Reform Bill: Big Change or Just Papering Over the...

Labour has unveiled a bold new Leasehold Reform Bill that proposes capping ground rents at just £250 per year from 2028 and banning new leaseholds altogether. The move is designed to tackle one of the most controversial parts of the UK housing market — the expensive and often unfair system of leasehold property ownership that has left thousands of leaseholders burdened with high ground rents and excessive service charges.

Watch video version: https://youtu.be/_i46hP5oGTw

Under current arrangements, many leaseholders struggle with spiralling ground rents that escalate over time, plus unpredictable service charges. Critics argue this mirrors a feudal system and traps homeowners in long leases that erode the value of their homes. Labour claims the new bill will make it simpler for leaseholders to transition to commonhold, a form of ownership akin to freehold where residents collectively own and manage their building.

Labour’s proposals are intended to bring greater fairness and transparency. By restricting future ground rents to a nominal £250 and preventing new leasehold titles, the bill aims to end the creation of leaseholds and protect future property buyers. More controversially, the legislation encourages — but does not fully mandate — existing leaseholders to convert to commonhold. This raises practical questions about how leaseholders with different lease lengths can all switch. Critics warn that without compulsory mechanisms and clear valuation rules, many families may still find it difficult or prohibitively expensive to make the change.

Another key debate centres on how the reforms will affect freeholders’ asset value. Freeholders range from private owners to institutions and estates with significant property portfolios. For example, the Duke of Westminster’s estate, which holds high-value freeholds in Mayfair and Belgravia, could see the future value of those assets reduced if new leaseholds can no longer be created and if conversions proceed without compensation mechanisms.

Will Labour’s Leasehold Reform Bill slash asset values for major freeholders, or will it, like the 2025 Conservative Leasehold Reform Act, simply “paper over the cracks” of a broken system? The effectiveness of the bill will depend on detailed implementation, protections for existing leaseholders, and the legal frameworks that govern commonhold conversions. For many leaseholders, hope remains that meaningful reform could finally deliver a fairer property market.

Why Invest in Gold and Silver?

 

See full video - https://youtu.be/or-8kiTZZxM

 

See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call.

For a free gold, investment report, and Discovery Call, click here.

 

https://pure-gold.co/charles-kelly

 

Where to find me:

Money Tips website: https://moneytipsdaily.com/

YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg

Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities

LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2

 

#GoldVsSilver #BuyGold #BuySilver #PreciousMetals #InflationHedge #SafeHavenAssets #GoldPrice #SilverPrice #WealthProtection #FinancialUncertainty #MoneyTips #CharlesKellyMoneyTips#leaseholdreform #property #commonholdflats #groundrentcap #money #propertyinvestment

Should You Buy Gold or Silver NOW? Most Investors Get This Wrong

Silver has exploded by 185%, and Gold by 68%, against the Dollar in the last 12 months. Should you join the bandwagon hoping to ride the crest of the wave?

With inflation, high interest rates, rising government debt and global uncertainty, many investors are once again asking the key question: should I buy silver or gold now? Both precious metals have long been viewed as safe-haven assets, but they behave very differently depending on economic conditions.

Watch video - https://youtu.be/4A9QzSla6_o

Gold is primarily a store of value. Central banks hold it, governments’ trust it, and investors often turn to gold during times of crisis, currency debasement and geopolitical risk. When confidence in fiat money falls, gold tends to perform well. It is less volatile than silver and often acts as a hedge against inflation and long-term monetary mismanagement.

Silver, on the other hand, has a dual role. It is both a precious metal and an industrial metal. Silver is heavily used in solar panels, electric vehicles, electronics and medical technology. This means silver can outperform gold during periods of economic recovery and rising industrial demand. Historically, silver is far more volatile than gold, but that volatility can offer greater upside potential.

One popular indicator investors watch is the gold-to-silver ratio. When the ratio is high, silver is considered undervalued relative to gold. At elevated levels, many investors believe silver offers better value and more upside. When the ratio falls, gold tends to be the safer holding.

FOMO

So should you buy silver or gold now? The answer may be both. Gold provides stability and protection, while silver offers growth potential if inflation persists and green energy demand accelerates. A balanced allocation can help diversify risk while positioning you for future monetary and economic shifts.

Don’t get carried away by FOMO – fear of missing out.

Gold and silver should be treated as long term investments and a hedge against inflation and the falling value of fiat currencies due to money printing and excessive borrowing.  If you are looking to make a killing or short term gain, be careful. The silver market can be extremely volatile and this rally could be followed by a fall in the price as investors take profits.

Silver coins are also sold with a significant mark up making short term gains difficult.

As always, consider your time horizon and, risk tolerance and overall portfolio strategy before investing. Take independent financial advice,

Why Invest in Gold and Silver?

 

See full video - https://youtu.be/or-8kiTZZxM

 

See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call.

For a free gold, investment report, and Discovery Call, click here.

 

https://pure-gold.co/charles-kelly

 

Where to find me:

Money Tips website: https://moneytipsdaily.com/

YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg

Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities

LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2

 

#GoldVsSilver #BuyGold #BuySilver #PreciousMetals #InflationHedge #SafeHavenAssets #GoldPrice #SilverPrice #WealthProtection #FinancialUncertainty #MoneyTips #CharlesKellyMoneyTips

 

‘Shop Away’ Your Mortgage and Save Thousands On Interest And Become Debt...

‘Shop Away’ Your Mortgage and Save Thousands On Interest And Become Debt Free

Jinesh Vohra, founder of Sprive.com explains how using his app while doing your weekly shop can save your thousands of pounds and help you pay your mortgage off years earlier.

Watch video - https://youtu.be/TfC85fdkCvM

House Prices Plunge In London And Stockbroker Belt As Silver And Gold Surge!

Watch video here -  https://youtu.be/tk1aT-TMAwo?si=3aDdg9cbbXyO-Foa

3 Steps To Success Money Management!

I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.

Join me online on my free live money management training Wednesday at 7.00PM.

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

USE THIS PROMO CODE CHARLES5 gets paid on first shopping (£5 towards the mortgage)

#mortgage #housepricesfall #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #sprive.com #savemoney

House Prices Plunge In London And Stockbroker Belt As Silver And Gold Su...

Property prices in London and parts of the South East fell this year by up to 8.9%, as Silver surged 138% and Gold continued its upward trajectory rising by just under 58%!

Crawley, a town close to Gatwick airport in West Sussex, suffered an 8.9% drop of £36,000, with High Wycombe falling 7.4% wiping £34,000 off average house values. Even trendy Brighton was hit with a 4.8% or £20,000 dive, according to Lloyds bank.

The London property market has also suffered a 2.4% year on year decline of 2.4%, not helped by a weak economy, tax hikes, Stamp Duty increase in April and uncertainty over the budget which saw the introduction of a mansion tax.

Overseas buyers have dried up, non-doms and the rich are leaving the UK in droves and property landlords have been selling up partly due to the Renters Rights Act and the abolition of Section 21 ‘no fault evictions’.

Chancellor Rachel Reeves announced a new tax surcharge on rental income profits in her budget, which sees the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higher than the basic and higher rates of tax from April 2027.

Watch full video here - https://youtu.be/O38dvXPp22k

There were a raft of hikes including a mansion tax on properties worth more than £2 million, mileage charge on EVs

Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc.), they still need the estimated 2.8 million private buy-to-let property landlords.

Opportunities in 2026

Experienced investors will be sitting on cash and watching the housing and stock markets for opportunities to snap up assets at bargain prices, but timing the market can be tricky.

House prices are already being heavily discounted by sellers. Property prices are overpriced when compared to incomes with the average age of first-time buyers increasing into late 30’s.

See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s

Gold and silver outperformed the markets and investors and central banks piled into metals amid speculation of an AI-driven stock market bubble.

How to Invest in Gold and Silver? 

There are various ways to invest in Gold and Silver. You can buy physical Gold and Silver coins, bars or bullion online through reputable dealers (see below for more details). 

You can also buy funds which hold precious metals, as well as mining companies, directly on stock markets or through your ISA, SIPP and SSAS pensions (IRAs). 

Always seek professional advice before investing.

See full video - https://youtu.be/or-8kiTZZxM 

See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. 

For a free gold, investment report, and Discovery Call, click here.

 https://pure-gold.co/charles-kelly 

3 Steps To Success Money Management!

I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.

Join me online on my free live money management training Wednesday at 7.00PM.

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

Time for reflection

Has 2025 been a good year for you?

Did you reach your goals and targets?

What goals have you set for 2026?

I wish you a Happy and Prosperous New Year and hope you achieve your dreams.

#UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement

New Tax Rise For Landlords Announced In Budget

New Tax Rise For Landlords Announced In Budget

In another blow long suffering UK landlords, Chancellor Rachel Reeves has announced a new higher rate of tax surcharge on rental income profits in her budget, which will see the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higher than the basic and higher rates of tax from April 2027.

Frozen threshold bands until 2030 means most of us will pay more tax due to ‘fiscal drag’.

Savers, family businesses and pensioners will also be hit, whilst the welfare budget heads towards £2 TRILLION.

Watch full video here - https://youtu.be/O38dvXPp22k

There were a raft of hikes including a mansion tax on properties worth more than £2 million, mileage charge on EVs

Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2.8 million private buy-to-let property landlords.

See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s

What This Means for You

These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops.

Why Invest in Gold and Silver?

 

See full video - https://youtu.be/or-8kiTZZxM

 

See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call.

 

For a free gold, investment report, and Discovery Call, click here.

 

https://pure-gold.co/charles-kelly

 

3 Steps To Success Money Management!

I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.

Join me online on my free live money management training Wednesday at 8.00PM.

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

 

#UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement

RENTERS RIGHTS BILL IS NOW LAW – 5 Things Landlords Can Do to Survive th...

RENTERS RIGHTS BILL IS NOW LAW – 5 Things Landlords Can Do to Survive the Renters Rights ACT

The long-debated Renters’ Rights Bill has finally become law in the UK, marking one of the most significant shake-ups in the private rental sector for decades. The new Renters Rights Act 2025, which received the Royal Assent on 27 October 2025, gives tenants stronger protections, abolishes Section 21 ‘no-fault’ evictions, and introduces stricter rules on property standards and rent increases.

Local authorities will have new powers to demand documentary evidence of compliance and enter a landlords rented residential accommodation (without a warrant in some cases) within two months of the new Act say the NRLA.

The far reaching Act will introduce: 

·        A standard tenancy for private renting.  

·        A new ‘Decent Homes Standard’ and new rules on responding to hazards.  

·        New changes to advertising and letting practices.  

·        New limits on when and how much rent can be taken in advance.  

·        The abolition of ‘Section 21’ notices for possession or eviction.  

·        New grounds Section 8 for possession.  

·        New changes to rent increases.  

·        A private rented sector database and Ombudsman landlords will be forced to sign up to.  

·        Further offences and civil penalties for landlords who don't comply with these rules. 

Other new rules coming in because of the Act include: 

·        Introduction of 15 new offences that can see landlords issued with civil penalties. 

·        Increase in the maximum civil penalty fine that can be imposed of up to £40,000. 

·        Six new offences that can result in landlords facing a rent repayment order. 

·        Increase in the maximum claim period for such orders, with tenants now able to claim back up to two years of rent payments for breaches. 

When will the Act be fully implemented?

Housing Minister Matthew Pennycook has previously said that landlords and tenants will be given ‘sufficient notice’, which could be as soon as six to twelve months. The ‘Spare Room’ website said the all the new provisions of this major Act will not be in place until early 2026.   Key Implementation Dates:

 

Investigatory rights for local authorities From 27th December 2025  Part 1 – changes include, end of fixed terms and Section 21, new possession grounds From 1st May 2026 PRS Database and Ombudsman Late 2026 estimated Decent Homes Standard Date to be confirmed

Here are 5 things landlords can do to survive the Renters Rights Act:

1. Review Your Tenant Agreements – Ensure all tenancy contracts comply with the new legal framework. Outdated clauses could make you non-compliant and exposed to penalties.
2. Focus on Quality Tenants – With longer tenancies likely, good tenant relationships are vital. Screen tenants carefully and maintain communication.
3. Incorporate Your Property Business – Many landlords are now using limited companies for tax efficiency, expense flexibility, and better mortgage options.
4. Diversify Your Portfolio – Consider shifting into HMOs, serviced accommodation, leasing to a company or local authority or commercial units for stronger returns and lower regulatory impact.
5. Seek Professional Advice – For instance by joining the NRLA. Stay informed. Property tax planning and compliance advice can save thousands each year under the new regime.

Is the buy-to-let rental property sector dead?

Wounded by successive ‘landlord bashing’ governments, but NOT dead! The Renters Rights Act may be challenging, but proactive, informed landlords can still prosper by adjusting early and managing smarter.

Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2.8 million private buy-to-let property landlords.

See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s

See also:

Brace Yourself: 5 Tax Hikes Coming in the UK Budget 2025

These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops.

Watch full video - https://youtu.be/jITL4nOmBEo

If you are stuck in the Section 24 trap and need professional advice, email Charles@CharlesKelly.net

#RentersRightsBill #RentersReformAct #UKLandlords #BuyToLet #PropertyInvesting #LandlordTips #PropertyTax #Section21 #UKHousingMarket #CharlesKellyPodcast #MoneyTips #rentersrightsact2025

Why Silver Could Explode in 2025/6!

Why Silver Could Explode in 2025/6!

Why the Gold-Silver Ratio Suggests It Might Be Time to Buy Silver

The gold-silver ratio — the number of ounces of silver needed to buy one ounce of gold — is a powerful indicator for precious metal investors. Historically, the ratio averages around 60:1, meaning gold typically trades at about 60 times the price of silver. Today, however, the ratio has surged above 85:1, signalling that silver may be undervalued compared to gold.

This imbalance often creates opportunities. When the ratio is this high, savvy investors see it as a buy signal for silver, expecting the gap to close over time — either through silver rising in price, gold falling, or both adjusting.

Silver also has strong industrial demand — it’s used in solar panels, electric vehicles, electronics, and medical tech — all sectors expected to expand in the coming decade. Combine that with limited new mine supply and rising investment interest, and silver looks like a compelling long-term play.

While gold remains the ultimate safe-haven asset, silver offers more upside potential during economic recoveries or inflationary periods.

If you’ve been considering diversifying into precious metals, now could be the perfect time to accumulate silver while it remains cheap relative to gold.

Always consult your financial adviser before making investment decisions.

Why Invest in Gold and Silver?

 

See full video - https://youtu.be/or-8kiTZZxM

 

See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call.

For a free gold, investment report, and Discovery Call, click here.

 

https://pure-gold.co/charles-kelly

 

Where to find me:

Money Tips website: https://moneytipsdaily.com/

YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg

Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities

LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2

 

#SilverInvesting #GoldSilverRatio #BuySilver #PreciousMetals #SilverBullMarket #GoldVsSilver #InflationHedge #WealthProtection #MoneyTipsPodcast #CharlesKelly